But assuming he lives, even so he is at a considerable disadvantage. Not having heard of the Catholic Sacrament of Confession he has not done it, but neither has he denied it, so he is not a heretic, but a substantial source of grace is not present in his life. And already he has acquired the mental habit of looking up to certain individuals for spiritual guidance who have a defective and twisted "gospel." His trust is gravely misplaced. And sooner or later the inevitable heresy itself must come, if he remains in that world, which by ties of family and friends and sentimental attachment he may very likely do. At some point necessarily comes the question "What about that other Church [Catholic] over there across the street? What do they believe and why don't we believe what they believe?" And the answer, if they feel it to be persuasive, formally introduces them into the world of heresy.
But is that only material heresy or is it formal heresy? Certainly the famous founders of Protestantism, Luther, Calvin, Zwingli, Cranmer, and the like all had to be formal heretics. For they were all born and raised in the Catholic Faith, and then subsequently turned against what each of them knew to be true. They were therefore one and all knowing and deliberate deceivers, and there is no room to deny that their heresy was formal. Their immediate followers were likewise born and raised in the Faith, and many consciously gave consent to their being led into error, though some were innocently led slowly and gradually away by being misled by the same Catholic priests (now ex-Catholic priests) who had baptized them, but were gradually led away, often along nationalistic lines. But can the same be said of each and every individual Protestant today? On the one hand are those who were born and raised in heresy, and had been for generations, but on the other hand are those who might have been innocently led away in the beginning but by now must be conscious that they have departed from the Catholic Faith. Both may be conscious that they depart from the Catholic Faith, but given their upbringing and cultural outlook, can they distinguish the difference between departing from the Catholic Faith versus departing from the Methodist Faith (themselves being, for example, Baptists, ####ians, or Episcopalians)? Again, issues of culpability must enter in, and God alone knows who has it in them to desire and seek the Catholic Faith and who does not.
The Apologia pro Protestante.................... 
What would you classify one who believes God is an arbitrary tyrant who cares more for water than the heart. I already know such a one cannot possibly be Catholic, but what is he, "Protestant", Apostate?